When you’ve worked hard for years and suddenly face a serious illness or injury, long term disability (LTD) benefits can feel like a lifeline. These benefits replace a portion of your income when you’re unable to work—but one of the most common concerns we hear is: “Can my employer fire me while I’m on long-term disability?”
The answer isn’t always simple.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Employment and Disability Benefits Are Separate
It’s important to understand that your long-term disability insurance and your job are two different things. Even if you qualify for LTD benefits, your employer does not have to keep your position open forever. LTD benefits are paid by the insurance company (or sometimes self-funded by your employer), but employment decisions are made by your company.
For a free legal consultation, call (800) 562-9830
Job Protection Depends on the Law
Some laws may protect your job for a period of time:
- Family and Medical Leave Act (FMLA): If eligible, you may have up to 12 weeks of job-protected leave. After that, your employer can legally fill your position.
- Americans with Disabilities Act (ADA): If you can return to work with “reasonable accommodations,” your employer must work with you to make that possible. However, if you cannot perform your job duties even with accommodations, termination may be allowed.
Being Fired Doesn’t Always End Your LTD Benefits
Here’s a key point many people don’t realize: if you lose your job while on long-term disability, you usually continue to receive LTD benefits as long as you still meet the insurance company’s definition of disability. Your employment status may change, but your right to benefits does not automatically end.
Why This Matters for You
If you’re on LTD or know someone who is, it’s important to:
- Stay in communication with your employer about your medical situation.
- Keep up with deadlines and requirements from your LTD insurance company.
- Understand your rights under federal and state laws.
Losing your job can feel devastating, but it doesn’t necessarily mean losing your disability benefits. If your LTD claim is denied, delayed, or cut off, that’s when experienced legal help can make all the difference.
If you or someone you know is worried about losing long-term disability benefits—or if an insurance company has stopped payments—contact our office. We’ve helped thousands of people stand up to insurers and protect the benefits they’ve earned.
Call us today at 800-562-9830
Or contact us online: DisabilityDenials.com
